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Stylish, arty Melbourne is a city that’s both dynamic and cosmopolitan, and proud of its place as Australia’s cultural capital. Having been named ‘Worlds Most Liveable City’ five consecutive years running, Melbourne is well established as a tourist hot spot!
The beautiful city has a well-developed business landscape across the hospitality, retail, sporting and financial sectors, to name a few. These businesses have a significant contribution to Melbourne’s economy and thus should be appropriately insured. PSC Direct Insurance Brokers Melbourne have exposure and understanding of the specific risks that businesses in Melbourne are exposed to, which they apply to all policies that are written in the state.
Our Insurance Brokers can help your business survive the unexpected, with minimum losses.
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There are a number of territory and federal government initiatives that provide support networks, resources and grants for small businesses.
PSC Direct Insurance Brokers understand the specific risks that businesses in Melbourne and the VIC are exposed to.
We make it our number one priority to source an insurance solution that addresses these risks and protects local businesses for the long term.
Our systems do the hard work, quickly matching the insurance that best suits your business.
We do all the hard work analysing insurance policies and their covers to match them against your business risks and needs.
Our expertise insuring thousands of businesses means we know the questions to ask you.
We find the right insurance for your needs and because we operate online we have lower costs to pass more savings on to you.
You can access and update your information at any time of the day and night, when it suits you most.
What Are the Specific Risks Faced ByMelbourne Businesses?
Eateries & Bars
Melbourne locals and tourists alike enjoy spending their days dwelling in all the cool bars, cafes, restaurants and festivals that the city has to offer. The city centre has been reinvented in recent years with chic laneway eateries and rooftop bars opening in former industrial buildings.
In a one-year period, the food services industry contributed $3.3 billion to the Melbourne economy and employed 120,000 people. Of this, the City of Melbourne represented over $700 million and employed around 30,000 people. Business tourists are estimated to spend at least $108 million annually on food and beverage in the City of Melbourne.
PSC Direct Insurance Brokers Melbourne understand the pressure that the food services sector is under, with locals and tourists alike flocking to food establishments at every hour of the day and night. That’s why PSC Direct’s Melbourne Insurance Brokers specialise in sourcing appropriate policies in order to ensure your business is fully covered. We can assist you in valuing your assets and protecting you from the risk of third party injury claims so that you don’t find yourself underinsured, and receive the maximum possible cover if the worst does happen.
Sport is a crucial element to Melbourne’s makeup, with locals taking on something of a religious support for their sporting teams. Melburnians are passionate about AFL football (‘footy’), cricket and horse racing, and are the proud hosts of huge sporting events of grand-slam tennis and Formula One car racing.
Melbourne’s hosting of a wide range of huge sporting events, as well as the more modest local sporting activities results in the organisers of these events being exposed to a number of unpredictable risks; from severe whether and natural disasters to transport disruptions and terrorist threats. PSC Direct Insurance Brokers Melbourne understand the importance of securing appropriate insurance cover when risks are so varied and uncontrollable. We understand that cancellation, postponement and delays to an event can have a huge financial impact for organisers and sponsors of such events, as well as the potential for the organiser to be held liable for any costs incurred by other parties including sports teams and media networks.
As the number of sports events and the money invested in them is on the increase, the risks are becoming more prominent and more diverse. You must be sure that your insurance provides coverage for financial exposures such as contractual liabilities, lost revenues and ticket refunds. PSC Direct Insurance Brokers Melbourne can leverage their relationships with Australia’s leading provider of sports insurance; Worldwide Sports Insurance, to source comprehensive cover for a variety of events.
The city of Melbourne has a diverse range of retail offerings from large department stores to boutiques. The city prides itself on delivering unique retail experiences you can’t find outside of Melbourne through their laneway, above awning and ‘one-off’ shopping possibilities.
With over 2,000 retails establishments in Melbourne, this sector employs roughly 20,000 labour workers. In order to protect the state’s economy for the long term, these businesses should be fully protected with a comprehensive retail insurance policy that protects the business, its owners and its employees.
PSD Direct Insurance Brokers Melbourne understand that your insurance needs will depend on a number of factors such as the size of your business, what it sells and the number of employees. Our Melbourne-based brokers make it their priority to secure the most comprehensive solutions for your unique business needs at a competitive price.
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What Do Insurance Brokers Melbourne Do?
At PSC Direct, we know that choosing the right cover for your business can be complicated, but we also know that it is necessary to fully protect your business assets and livelihood. That’s why we make it easy for you to get the cover you need, when you need it.
Our Insurance Brokers will source the most appropriate cover depending on your individual circumstances, industry and location. Covers we may suggest for businesses in the Perth region may include:
- Professional Indemnity: Insurance for professionals who provide advice or a service to their customers. Professional Indemnity Insurance will protect you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.
- Commercial Property Insurance: Protecting your business property from perils such as fire, theft and natural disaster.
- Business Interruption Insurance: Insurance that covers the loss of income a business may suffer due to closure after a disaster.
- Machinery Insurance: Specific cover for machinery and equipment; a machinery insurance policy is more specialised than commercial motor vehicle insurance, most notably because it covers off-road usage.
- Public Liability Insurance: Protection against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them.
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As specialist small business insurance brokers, PSC Direct uses our considerable experience to provide multiple quotes for you. Combining our expertise insuring thousands of other similar businesses with our detailed database of insurers and insurance products; we’re best placed to advise you on the right insurance for your business.
We have strong relationships with the leading underwriting agencies and insurance companies. We can source the most appropriate business insurance policy for you, covering you for what you really need, at the right price.
If you are a Melbourne-based business owner, we can find a policy to suit your unique requirements.